Blue FLEX health insurance product
If you don’t have group insurance or if you wish to supplement your existing coverage, Blue Flex health insurance plan is just what you need. You can select specific benefits for protection that will best suit your needs and those of your family members based on your budget.
Extended Health Care
Basic coverage
Basic coverage for regular health needs and unforeseen medical expenses. Offered in 4 types of coverage: personal, couple, single-parent or family.
The amounts indicated are the maximum amounts refunded per calendar year.
Hospitalization
100% reimbursement, no deductible
| Expenses for a stay in a semi-private room | |
|---|---|
| In a hospital for short-term care | Unlimited number of days |
| In a public or private convalescent home | Combined maximum of 90 days per year |
| In a physical rehabilitation centre | |
If a semi-private room is unavailable, you will receive a daily compensation of $25, as of the 4th day of hospitalization.
Diagnostic services
80% reimbursement, after annual deductible
| Medical examinations | |
|---|---|
| Laboratory tests (blood and urine, throat culture and cytology) | Unlimited |
| Scanner (computerized tomography) | $250/year |
| Magnetic resonance imaging (MRI) | $675/year |
| Ultrasound | $50/year |
| Polysomnography | $400/24 months |
Services of healthcare professionals
80% reimbursement, after annual deductible
| Services de professionnels de la santé sans ordonnance requise | |
|---|---|
| Acupuncturist, audiologist or hearing-aid specialist, chiropractor, dietician, occupational therapist, kinotherapist, massage therapist (prescription required), naturopath, speech therapist, osteopath, physiotherapist or physical rehabilitation therapist, podiatrist, psychologist | $25 visit, max. $500/year for each professional |
| X-rays by chiropractor | $25/year |
| Optometrist or ophthalmologist (eye exam) | $50/24 consecutive months |
| Dental care following an accident | $1,000/accident |
| Home nursing care (fees of a registered nurse) | 160 hours, max. $5,000/year |
| Ambulance transportation, to or from the nearest hospital | Unlimited |
Prosthetics and orthotics
100% reimbursement, after annual deductible
| Prosthetics and orthotics | |
|---|---|
| Purchase and repair of hearing aids | $500/36 months |
| Initial cost of an internal breast prosthesis following a mastectomy | $200 |
| Initial cost of a capillary prosthesis following chemotherapy | $300 |
| Purchase of orthopaedic shoes or podiatric ortheses | $200/year |
| Purchase of elastic stockings | $100/year |
Medical and paramedical expenses
80% reimbursement, after annual deductible
| Medical and paramedical expenses | |
|---|---|
| Rental or purchase of a TENS device (pain relief) | $500/year |
| Varicose vein injections (for medical purposes only) | $20/visit – max. 15 visits/year |
| Intrauterine device (IUD) | $75/24 months |
| Rental or purchase of medical accessories: syringes, hypodermic needles and reagent strips for diabetics | Unlimited |
| Devices and accessories for ostomy patients | Unlimited |
| Rental or purchase of oxygen, respirator, non-motorized wheelchair and manual hospital bed | Unlimited |
| Rental or purchase of crutches, walkers, canes, casts, trusses and orthopaedic braces | Unlimited |
The annual deductible is $50 per individual policy and $100 per policy for a couple, single-parent or family and applies to certain benefits; please consult the brochure for more information.
Extended Prescription Drugs and Dental Care
Optional Benefits
Personalize your Blue Flex health insurance plan by adding the Extended Prescription Drug or Dental Care benefits.
These benefits cannot be purchased without the Extended Health Care benefit and are offered in 4 types of coverage: personal, couple, single-parent or family.
Extended Prescription Drugs
100% reimbursement, no deductible
- Deductible and co-insurance paid to your pharmacist for you prescription drugs
- Certain prescription drugs not covered by RAMQ
Dental Care
Reimbursement at 80%, after annual deductible
Preventive care
- Diagnostic services
- Complete oral examination (once every two years)
- Space maintainers (Insured under age 18 only)
Reimbursement at 50%, after annual deductible
Basic care
- Extraction of erupted teeth, restorative procedures, endodontics (e.g. root canal), periodontics (scaling), temporary dressing (pain relief) and polishing of fillings
- Prosthodontics (cleaning, polishing, minor adjustments and rebasing)
- Oral surgery and anaesthesia